                &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}&\multicolumn{1}{c}{(5)}\\
                &\multicolumn{1}{c}{Any MoB}&\multicolumn{1}{c}{Sum MoB}&\multicolumn{1}{c}{No. MoB}&\multicolumn{1}{c}{Savings}&\multicolumn{1}{c}{Late Repayment}\\
\midrule
Saving          &   -0.005         &   -3.697         &   -0.021         &    2.690         &   -0.018         \\
                &  (0.003)         &  (3.889)         &  (0.013)         & (13.213)         &  (0.013)         \\
\addlinespace
Mobile Banking  &    0.064\sym{***}&   31.014\sym{***}&    0.073\sym{***}&   22.989\sym{*}  &   -0.030\sym{**} \\
                &  (0.004)         &  (4.729)         &  (0.016)         & (13.358)         &  (0.013)         \\
\addlinespace
Saving  $\times$ ...&   -0.001         &    0.338         &   -0.037         &    1.015         &    0.014         \\
                &  (0.005)         &  (5.465)         &  (0.032)         & (26.777)         &  (0.030)         \\
\addlinespace
MB  $\times$ ...&   -0.007         &   -6.918         &    0.002         &  -17.374         &    0.022         \\
                &  (0.008)         &  (7.416)         &  (0.046)         & (26.098)         &  (0.030)         \\
\midrule
Observations    &    60000         &    60000         &    60000         &    60000         &    17540         \\
Control Mean accra=0&    0.022         &   11.449         &    0.080         &  250.432         &    0.253         \\
Control Mean accra=1&    0.028         &   11.094         &    0.064         &  370.431         &        .         \\
p-Value Savings  = MB&    0.000         &    0.000         &    0.000         &    0.132         &    0.352         \\
Total effect MB &    0.058         &   24.095         &    0.076         &    5.616         &   -0.007         \\
Total Effect MB p-value&    0.000         &    0.000         &    0.081         &    0.802         &    0.789         \\
Wave FE         &      Yes         &      Yes         &      Yes         &      Yes         &      Yes         \\
